Can I finance heavy construction equipment through Slate Financial?

Yes. We finance new and used equipment up to $5M with terms up to 84 months. Excavators, loaders, cranes, trucks, and specialty equipment are all eligible.

How do I bridge cash flow between project payments?

Our lines of credit give you revolving access to capital — draw what you need for materials and payroll, repay as client payments come in, and draw again for the next job.

Do you fund subcontractors and specialty trades?

Absolutely. We fund general contractors, subcontractors, electricians, plumbers, HVAC companies, and all specialty trades. Revenue of $10K+/month is the main requirement.

I have a large PO from a general contractor. Can you finance it?

Yes. Our Purchase Order Factoring program finances up to 100% of your PO value so you can buy materials and pay crews while waiting for the GC to pay.

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Business Funding for Construction & Contractors

Equipment loans, working capital, and project financing to keep your jobs running. Funded in as little as 48 hours.

Get Funded Now Find My Loan Match

No Obligation

No Collateral

2-Minute App

$215K

Avg. Funded Amount

94%

Approval Rate

48 hrs

Avg. Funding Time

1,800+

Contractors Funded

Why Construction & Contractors Businesses Choose Slate Financial

Construction businesses face unique cash flow challenges — you buy materials and pay crews upfront, but do not get paid until milestones are hit or jobs are completed. Slate Financial bridges the gap with fast working capital, equipment financing, and project-based funding designed for general contractors, subcontractors, and specialty trades.

Common Challenges

Long payment cycles (60-90 days) after project completion

Big equipment purchases require major upfront capital

Seasonal slowdowns leave crews without work or pay

Material costs have skyrocketed in recent years

Banks move too slowly for time-sensitive project bids

How We Help

Equipment financing up to $5M with flexible terms

Lines of credit to bridge cash flow between payments

Fast working capital to stock materials for new jobs

Revenue-based funding that scales with your project load

PO factoring to finance large purchase orders upfront

Common Funding Needs

What Construction & Contractors Businesses Use Capital For

Heavy equipment purchases (excavators, loaders, cranes)

Bridging cash flow between project milestones

Material and supply purchasing for new projects

Payroll coverage during seasonal slowdowns

Fleet vehicle financing and maintenance

Best Funding Options for Construction & Contractors

Matched to your industry's unique needs and cash flow patterns

Equipment Lending

$10K – $5M

24–48 hours

Finance new or used equipment with competitive rates and flexible terms up to 84 months.

Up to 100% financing New & used equipment Terms up to 84 months

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Lines of Credit

$10K – $1M

24–48 hours

Flexible revolving credit lines — draw what you need, when you need it, and only pay interest on what you use.

Draw on-demand Revolving credit Only pay interest on what you use

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Term Loans

$25K – $5M

24–72 hours

Fixed-rate business term loans with predictable payments and competitive rates for established businesses.

Fixed monthly payments 1–5 year terms Competitive rates

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Merchant Cash Advance

$5K – $2M

24 hours

Fast working capital based on your future sales. Get funded in as little as 24 hours with minimal paperwork.

Approval based on revenue, not credit No fixed monthly payments Same-day decisions

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Purchase Order Factoring

$50K – $10M

48–72 hours

Turn your purchase orders into immediate cash — finance up to 100% of your PO value.

Up to 100% PO financing No debt added to balance sheet Scales with your business

Apply Now

How It Works

Get Funded in 3 Simple Steps

STEP 01

Apply Online

Complete our simple 2-minute application. No paperwork, no hidden fees.

STEP 02

Get Matched & Approved

Our team matches you with the best products for your industry and gets you approved in as little as 4 hours.

STEP 03

Receive Your Funds

Funds are deposited directly into your business account within 24 hours of approval.

Why Slate Financial

Built to Get You Funded

AI-Powered Underwriting

We match your profile to the right capital fast, with no guesswork.

Licensed in All 50 States

Nationwide coverage so we can fund businesses wherever you operate.

15+ Loan Products

From lines of credit to commercial real estate, matched to your needs.

Funding in as Little as 24 Hours

Move quickly once you're approved, without drawn-out paperwork.

We Never Sell Your Data

Your information stays with us and is used only to fund your business.

States licensed

24hr

Funding speed

$50M

Max deal size

6,000+

Capital sources

FAQ

Construction & Contractors Funding Questions

Get Funded for Your Construction & Contractors Business

Join thousands of construction & contractors businesses that trust Slate Financial. Apply in 2 minutes. Get funded as fast as 24 hours.

No Obligation

No Collateral Required

Same-Day Decisions

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